Mortgage Broker Effingham

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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Effingham

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Effingham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Defaults, Bankruptcy Orders and County Court Judgments (CCJs)

These do affect your credit score negatively and can stay on your file for 6 years, but when this period has elapsed they no longer affect your score.

You are well advised to wait until the time period has elapsed because if you apply for credit and are refused, this will further lower your credit score.

Guarantor Mortgage

Guarantor mortgages involve a third party, normally a family member or close associate, agreeing to guarantee that a mortgage applicant will make the correct, timely repayments for a mortgage loan granted.

The guarantee normally has to be backed up by the third party offering their own property as collateral or, for example, giving control of a large savings account to the lender. If the mortgagor defaults on repayments, then the lender can look to make up any shortfalls by extracting these from the third party, potentially putting the third party's home, or savings, at risk.

If the mortgagor makes the correct repayments however, the guarantor will not lose anything and will not have to pay anything over.


Effingham is a large village in Guildford Borough in Surrey. It is semi-rural in aspect. It contains many architecturally renowned buildings, for example the Red House, built by Sir Edwin Lutyens in 1893. Attractions nearby include Norbury Park Sawmill in Mickleham, for those who like wood chopping, and Garden Wisley in Wisley Lane, which is the Royal Horticultural Society's foremost garden.

Property Price Stats for Effingham


Average property price in Effingham£626,713
% Change compared to last year- 6%
Population of Effingham12,558


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Effingham - Recently Completed

  • Ottways Lane, Ashtead, Surrey, KT21 2NZ
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 12 Buffers Lane, Leatherhead, Surrey, KT22 7XG
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 58 Kingston Road, Leatherhead, KT22 7BW

Local High Street Banks in Effingham

Mortgage Broker in and around Effingham

Our Effingham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bookham, Leatherhead, Dorking, Downside, Stoke d'Abernon, Ottershaw and Ockham.

Which banks are local to you?


  • Lloyds Bank Plc - 5 Ockham Rd S, East Horsley, Leatherhead KT24 6QW
  • Natwest Bank Plc - 9 High St, Cobham KT11 3DJ
  • HSBC Bank Plc - 67 West St, Dorking RH4 1BW

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Effingham offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Effingham Mortgage Broker Insider Tips

Get all your signed documentation to your solicitor in advance, if you want to give yourself more chance of a faster conveyancing process in Effingham.

Your conveyancing solicitor can't exchange contracts with the other side until they receive your mortgage deed, transfer deed, signed contract and so on. Originals of these documents, or at least some originals may be required by your solicitor and if so, you may need to post them.

It's a good idea, if you have to use Royal Mail, to send as much correspondence as you can together and make sure to use recorded delivery. This way, the documents can be tracked and you can find out when your mail was received and who signed for it. This is never best left to chance - you might lose your documents, which will slow down your conveyancing considerably and you will have to wait for replacements, into the bargain.

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